What’s the benefit of combining a MEC plan with hospital indemnity coverage?

In today’s article we’re going to explore the value of combining a MEC plan with hospital indemnity coverage.

First, when you offer a MEC plan with a hospital indemnity plan stacked on top of each other, you’ll want to provide the most robust MEC plan.

Here's why.

The MEC plan will give you:

1. Access to a national PPO network.

   1. Low co-pays for primary care visits, specialist visits, urgent care lab, and x-ray.

   2. First-dollar benefits; your employees won’t have to worry about being balanced billed.

Most MEC plans have coverage limitations with office visits and urgent care. With Evolved Benefits' MEC plan there are no limitations.

Here’s where the hospital indemnity plan comes in.

The hospital indemnity plan is on the same PPO network as the MEC plan, so when the employee goes to the hospital and receives care, the PPO network has already negotiated special rates for those services.

Therefore, the bill the employee receives will be far less than if they went into the hospital without the hospital indemnity coverage.

Another benefit to the employee is they will be reimbursed specific dollar amounts by the hospital indemnity plan for the services received in the hospital.

When you stack a hospital indemnity plan on top of a MEC plan, you can offer fairly robust coverage.

So, who is a good fit?

Companies with part-time, seasonal, and low-income employees.

Companies who have employees who cannot afford the enroll in (or might not be eligible for) the major medical plan